Past performance may not be indicative of future results. No current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended by Royal American Financial Advisors, LLC), or product made reference to directly or indirectly in the videos on this website will be profitable or equal to corresponding performance levels. All investing involves risks and costs, and clients may experience a loss or profit.

Different types of investment portfolios involve varying degrees of risk, from conservative risk, to moderate risk, to aggressive risk. Each investor should know the level of risk they can endure before investing. No client or prospective client should assume that the information in the videos on this website is a substitute for personalized individual advice from their advisor. Investors should consult their individual advisor/coach before acting on any subject matter in the videos on this website. Your advisor/coach can provide you with more information about the risks and costs associated with specific programs/investments.

The information in the videos and text is based upon the views of Royal American Financial Advisors, LLC. Other persons may analyze investments and approach investing from a different perspective from what is reflected in this video. Nothing included heir in is intended to infer that the approach to investing espoused in the videos will assure particular results.

Actual results of the accounts under our management may differ materially from any results shown in the videos on this website because of differences in account inception dates, account restrictions, and asset acquisition dates Also, it is not possible for any account performance to precisely match an index since indexes are unmanaged and investors cannot invest directly in any index. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of any advisory fees, the incurrence of which would have the effect of decreasing historical performance results. Prospectuses and information about our investing strategies can be obtained and will be provided by Royal American Financial Advisors, LLC upon request.

Presentations conducted online or in videos pose a number of issues that in-person presentations do not. For example, it can often be difficult for a viewer to read the footnotes/endnotes to a presentation or video that was conducted online, on their computer monitor at home. Royal American presentations sometimes depict performance statistics (both actual and hypothetical) for educational purposes, and those sections often have a substantial amount of disclaimers. In recognition of this, Royal American will provide any footnotes/endnotes to viewers upon request. Additional information can also be obtained from the fund fact sheets, prospectuses, and websites, which will also be provided upon request. Information presented in the videos on this website is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information and may not be suitable for members of the listening audience. Consult your advisor for personalized investment and planning advice before making any investment decisions.

 General StatementGeneral Statement

Royal American Financial Advisors does not disclose any financial information to any non-affiliated third party without prior written approval of its clients.

 General Information

Royal American Financial Advisors, LLC ("RAFA") is a California registered investment adviser offering a diverse array of financial products and services including but not limited to, mutual funds, exchange traded funds, insurance, annuities, REITs, stocks, bonds, and retirement plans. RAFA and its representatives are in compliance with the current registration and/or notice filing requirements imposed upon registered investment advisors in California. RAFA will only transact business in States in which it is registered, or qualifies for an exemption or exclusion from registration requirements. As prescribed by rule 204-3(c) of the Investment Advisors Act of 1940, Royal American Financial Advisors, LLC, hereby offers to deliver, without charge, a copy of its recent brochure (ADV Part II) upon request. Call 888-294-0648 for your own copy.

Insurance Rebates

The basis for providing fixed annuity commission rebates is found in the California Insurance Code Section 750(d). "Nothing in this section is intended to limit, restrict, or in any way apply to, the rebating of commissions by insurance agent's or brokers, as authorized by proposition 103, enacted by the people at the November 8, 1988, general election." Remember that Rebates discussed are only authorized for California and cannot by law be offered for any security product such as variable annuities. You alone decide whether or not to purchase any financial product.

This web site is designed to provide general, not specific information about how investors can benefit from certain investment strategies and investment advisory services and is strictly intended for individuals residing in the state of California. State and Federal law restricts assisting you if you are not a resident of California. Nothing in these web-pages shall be construed as offering or disseminating specific financial, retirement, estate, asset protection, tax, or legal advice. We do not offer, or make any recommendations with regard to benefits or otherwise of any type of regulated securities or the value of investing in securities on-line.

Nothing in this entire web site shall be construed as an offer to sell, or a solicitation to buy regulated securities. Simply by viewing this website you do not become a client. Nothing contained in this web site shall be implied or construed as creating a planner/client relationship or investment advisory relationship by virtue of your access to this site and you should not rely on any information contained herein to plan your estate or invest any of your assets. Notwithstanding the afore stated and pursuant to the CFP® Board of Standards Code of Ethics & Professional Responsibility, you will only become a client by mutual agreement, and only after you have executed a Royal American Financial Advisors - Investment Advisory Agreement, investment suitability questionnaire and required new accounts form which after it has been approved will retain our services. Some links within this website may lead to other sites. Royal American Financial Advisors does not necessarily sponsor, endorse or otherwise approve of materials appearing in those sites.

We do not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness or correct sequencing of information contained at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy and timeliness. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos there from. When you leave this website, you assume total responsibility and risk for use of the site you are linking to.

Email messages may not be secure and confidential. Any confidential communication should be transmitted by telephone, mail or other form of communication known to be secure and confidential.

1. Responsibility. The CCO shall ensure that the Company's use of the Internet, the World Wide Web, and similar proprietary or common carrier electronic systems (collectively, the "Internet") to distribute information on available products and services, shall comply with all applicable federal and state laws, rules and regulations. The information and procedures contained within this section should be used as a general guideline for reviewing the Company Internet related business practices.

2. Internet and Website Disclosure Requirements. At a minimum, all information distributed via the Internet must meet the following requirements:

a. Internet Communications. Internet communications must contain the following disclosures:

1. The Company only transacts business in states where it is properly registered, or excluded or exempted from registration requirements;

2. Follow-up and individualized responses to persons that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion;

3. If an IAR is identified in the communication, the nature of the IARs affiliation with the Company must be prominently disclosed.

b. Web sites. At a minimum, the Company's website must contain the following disclosure language:

1. The Company only transacts business in states where it is properly registered, or excluded or exempted from registration requirements.

2. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

3. Different types of investment involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.

4. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have [the] effect of decreasing historical performance results.

c. Links. The CCO will review all links on an annual basis to ensure compliance with the following:

1. The Company's web site must present all hyperlinks to other sites in an unbiased fashion. It will stay within the context of other links on the site and will not, for example, have any one link displayed any more prominently than other links.

2. The link should be presented in such a manner as to not be confused as being a product or service of the advisory firm itself.

3. The Web site should have an overall disclaimer that nothing on it should be construed as advice.

d. Firewalls. Adequate firewalls must be in place to ensure that, prior to any direct follow-up communication being effected with prospective clients in a particular state, the Company has first registered in that state or has otherwise qualified for an exemption or exclusion from such requirement.

e. Information. Internet communications must not be used to attempt to effect any transaction in securities, or to render personalized investment advice for compensation in any state in which the Company is not properly registered. In such situations, the communication must be limited to the dissemination of general information on products and services.

f. Approval. All Internet communications must be approved, in writing, prior to dissemination by the CCO.

Royal American Financial Advisors is a fiduciary advisor. In keeping your best interest in mind, we will not accept any commissions, fees, or incentives from any third parties or financial institutions. Our compensation is not effected by financial products or incentives. We have made a commitment to only accept compensation directly from our clients. By making this commitment to not accept compensation from third parties, we eliminate potential conflicts, so you can have confidence we are making decisions in your best interest. You are not under any obligation to act upon our recommendations. If you do not choose to act upon the recommendations, you are under no obligation to effect the transaction through Royal American Financial Advisors, LLC or its affiliates.

The USA PATRIOT ACT (Uniting and Strengthening America by Protecting Appropriate Tools to Intercept and Obstruct Terrorism Act) was signed into law on October 26, 2001. On May 9, 2003 the Department of Treasury issued their final regulations for Customer Identification Programs for Financial Institutions. Since that time the standard for banks and non-banking financial institutions has become the requiring of additional information from all clients in order to stay in compliance with the USA Patriot Act. In order to be able to provide the information required of the bank and non-bank financial institutions that provide services for our clients, Royal American Financial Advisors will require the following additional documentation when we open new accounts after 10-1-2003.

At the earliest convenience we will require of all new clients to show a copy of their drivers license or other valid government issued I.D.  We will record the information on advisory agreements and new account forms when required. ALL CLIENTS must have a valid physical mailing address on file, as post office boxes will no longer be sufficient under the USA Patriot Act. Royal American wishes to thank our clients for their cooperation and support in these simple procedures to support efforts to deny terrorist groups access to America's financial system.